Regrettably, most car insurance customers kept their coverage with the same car insurance company for four years or more, and 38% of customers have never even shopped around for lower-cost coverage. Many consumers in Arizona can save almost $730 each year by just shopping around, but they don’t believe the amount of money they would save if they switched to a more affordable policy.
If your goal is the lowest price, then the best way to get the cheapest auto insurance rates in Chandler is to do an annual price comparison from companies who provide auto insurance in Arizona.
Step 1: Try to learn a little about car insurance and the changes you can make to prevent expensive coverage. Many things that result in higher prices such as getting speeding tickets and an unacceptable credit history can be eliminated by making minor driving habit or lifestyle changes.
Step 2: Compare prices from direct, independent, and exclusive agents. Exclusive agents and direct companies can give quotes from one company like GEICO or State Farm, while agents who are independent can give you price quotes from multiple sources.
Step 3: Compare the new rate quotes to your existing coverage to determine if switching companies saves money. If you find a better price and decide to switch, ensure there is no coverage lapse between policies.
Step 4: Provide proper notification to your current company to cancel the current policy. Submit a completed application and payment for your new policy. Once the paperwork is finalized, safely store the proof of insurance paperwork in a readily accessible location in your vehicle.
The key aspect of shopping around is to make sure you enter similar coverage information on each quote and and to get price quotes from as many companies as you can. Doing this provides the most accurate price comparison and a thorough selection of prices.
Finding the cheapest car insurance coverage in Chandler is easy if you know what you’re doing. In a nutshell, every car owner who has to buy car insurance will find a better price. Nevertheless, Arizona consumers do need to understand how insurance companies calculate your car insurance rates and apply this information to your search.
Best Chevy City Express insurance rates in Arizona
The companies shown below can provide price quotes in Arizona. To locate cheap car insurance in Chandler, we suggest you visit several of them in order to find the cheapest rates.
Chevy City Express detailed coverage information
The price information shown below covers a range of policy rates for Chevy City Express models. Having a better understanding of how premiums are formulated helps drivers make informed decisions when shopping around for a new policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| City Express Cargo 2500 2WD | $120 | $228 | $390 | $24 | $116 | $878 | $73 |
| City Express Cargo 1500 2WD | $120 | $278 | $390 | $24 | $116 | $928 | $77 |
| City Express Cargo 3500 2WD | $138 | $278 | $390 | $24 | $116 | $946 | $79 |
| City Express 2500 LT 2WD | $138 | $278 | $390 | $24 | $116 | $946 | $79 |
| City Express 2500 2WD | $138 | $278 | $390 | $24 | $116 | $946 | $79 |
| City Express 2500 LS 2WD | $138 | $278 | $390 | $24 | $116 | $946 | $79 |
| City Express 3500 2WD | $138 | $278 | $390 | $24 | $116 | $946 | $79 |
| City Express Cargo 1500 AWD | $138 | $278 | $390 | $24 | $116 | $946 | $79 |
| City Express 1500 LS 2WD | $138 | $278 | $390 | $24 | $116 | $946 | $79 |
| City Express 1500 LS AWD | $138 | $326 | $390 | $24 | $116 | $994 | $83 |
| City Express 1500 AWD | $138 | $326 | $390 | $24 | $116 | $994 | $83 |
| City Express 1500 LT 2WD | $138 | $326 | $390 | $24 | $116 | $994 | $83 |
| City Express Cargo 1500 Turbo Diesel 2WD | $138 | $326 | $390 | $24 | $116 | $994 | $83 |
| City Express Cargo 2500 Turbo Diesel 2WD | $156 | $326 | $390 | $24 | $116 | $1,012 | $84 |
| City Express 3500 LT 2WD | $156 | $326 | $390 | $24 | $116 | $1,012 | $84 |
| City Express 3500 LS 2WD | $156 | $326 | $390 | $24 | $116 | $1,012 | $84 |
| City Express 3500 2WD | $156 | $326 | $390 | $24 | $116 | $1,012 | $84 |
| City Express 1500 LT AWD | $156 | $326 | $390 | $24 | $116 | $1,012 | $84 |
| City Express Cargo 3500 Turbo Diesel 2WD | $156 | $326 | $390 | $24 | $116 | $1,012 | $84 |
| City Express Cargo 1500 Turbo Diesel AWD | $156 | $326 | $390 | $24 | $116 | $1,012 | $84 |
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Prices above based on single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Premium amounts do not factor in specific location which can revise prices considerably.
The example below demonstrates how choosing different deductibles and can influence Chevy City Express insurance costs for each different age category. The premium estimates are based on a single female driver, comprehensive and collision coverage, and no policy discounts are applied.
Chevrolet City Express liability rates compared to full coverage
The illustration below compares Chevy City Express auto insurance costs when comparing full coverage to state minimum liability only. The prices are based on no accidents or driving violations, $1,000 deductibles, marital status is single, and no policy discounts are applied.
When to buy liability coverage only
There is no set rule of when to eliminate full coverage, but there is a guideline you can consider. If the yearly cost for physical damage coverage is 10% or more of the settlement you would receive from your company, then it might be time to buy liability only.
For example, let’s say your Chevy City Express book value is $7,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most you would receive is $6,000 after paying your deductible. If you are paying in excess of $600 annually for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.
There are some scenarios where dropping full coverage is not a good plan. If you haven’t satisfied your loan, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should maintain full coverage.
Don’t overlook these Chevy City Express insurance discounts
Some insurers don’t necessarily list every discount available very clearly, so we break down some of the best known in addition to some of the lesser obvious credits available to lower your premiums when you buy Chandler car insurance online.
- Driving Data Discount – People who choose to allow data collection to monitor driving manner by using a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system may get a rate reduction if their driving habits are good.
- Good Driver Discounts – Insureds without accidents may receive a discount up to 45% as compared to drivers with claims.
- Accident Free – Drivers with accident-free driving histories get the best auto insurance rates as compared to frequent claim filers.
- Driver Education Discount – Cut your cost by having your teen driver successfully take a driver’s education course as it will make them better drivers and lower rates.
- Switch and Save Discount – Select insurance companies give a discount for buying a new policy before your current coverage expires. The savings is around 10%.
- Defensive Driver – Passing a course that instructs on driving safety could possibly earn you a 5% discount and make you a better driver.
- Government Employees – Federal government employees could qualify for a slight premium decrease with certain companies.
- One Accident Forgiven – This one isn’t a discount, but certain companies will turn a blind eye to one accident before your rates go up so long as you haven’t had any claims prior to the accident.
Discounts lower rates, but some credits don’t apply to your bottom line cost. Most only reduce the cost of specific coverages such as comp or med pay. Despite the appearance that all the discounts add up to a free policy, company stockholders wouldn’t be very happy. But all discounts should definitely cut your overall bill.
The chart below illustrates the difference between Chevy City Express auto insurance rates with and without discounts applied. The prices are based on a male driver, no violations or accidents, Arizona state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, homeowner, safe-driver, multi-policy, and multi-car discounts applied.
To locate auto insurance companies who offer free Chevy City Express insurance quotes in Chandler, follow this link.
Get Cheaper Insurance Rates by Understanding These Factors
When buying auto insurance it’s important to understand some of the factors that help calculate your auto insurance rates. If you have a feel for what influences your rates, this allows you to make good choices that can earn you cheaper rates. Lots of factors are part of the equation when you quote your car insurance policy. A few of the factors are predictable like your driving record, although others are more transparent such as whether you are married and annual miles driven.
Vocation stress can affect premiums – Did you know your job can affect your rates? Careers such as lawyers, social workers, and miners tend to pay higher rates than average attributed to intense work requirements and long work days. On the other hand, jobs like professors, students and retirees pay the least.
Put fewer miles on your vehicle – The more miles you rack up on your Chevy in a year the more you’ll pay to insure your vehicle. A lot of companies calculate rates based on how the vehicle is used. Cars and trucks used primarily for pleasure use can be on a lower rate level compared to those used for work or business. Incorrect rating for your City Express may be costing you. It’s a good idea to make sure your policy correctly shows the right rating data.
Don’t skimp on liability protection – A critical coverage on your policy, liability insurance will protect you if ever you are determined to be liable for causing personal injury or damage in an accident. This coverage provides legal defense coverage to defend your case. Liability insurance is quite affordable when compared with rates for comp and collision, so drivers should buy more than the minimum limits required by law.
Eliminate incidental coverages – There are many extra coverages that you can buy but may not be useful. Coverages like replacement cost coverage, towing, and extra equipment coverage are examples of these. They may seem like a good idea initially, but if you’ve never needed them in the past consider taking them off your policy.
More performance means higher rates – The type of vehicle you are insuring makes a significant difference in how high your rates are. The lowest premiums are for lower cost passenger models, but the cost you end up paying is determined by many additional factors.
The data below uses these assumptions: single male driver age 40, full coverage with $250 deductibles, and no discounts or violations. It shows Chevrolet City Express insurance premiums compared to other makes and models that have a range of performance rating factors.
Accidents inflate rates – Being a careful driver influences premium rates substantially. Having just one moving violation can boost insurance rates forty percent or more. Drivers who don’t get tickets tend to pay less for car insurance compared to bad drivers. Drivers unfortunate enough to have careless citations like DUI or willful reckless driving may face state-mandated requirements to maintain a SR-22 with their state’s department of motor vehicles in order to prevent a license revocation.
The example below shows how speeding tickets and accident claims can raise Chevy City Express annual premium costs for different age groups. The information is based on a single female driver, full coverage, $1,000 deductibles, and no policy discounts are applied.
Bad credit will cost you – Your credit history will be a significant factor in determining what you pay. Therefore, if your credit rating can use some improvement, you could potentially save money when insuring your Chevrolet City Express by repairing your credit. Drivers with high credit ratings tend to be more responsible than drivers with worse credit.
Insurance is available from local insurance agents
A lot of people still prefer to sit down with an agent and that is a personal choice. One of the great benefits of comparing insurance prices online is you can get cheaper car insurance rates and also buy local. Buying from local insurance agencies is important particularly in Chandler.
After completing this quick form, your information gets sent to local insurance agents that can give you free Chandler car insurance quotes for your business. There is no reason to leave your house due to the fact that quote results will go to the email address you provide. You can find better rates and an insurance agent to talk to. If you have a need to get a price quote from one company in particular, don’t hesitate to visit that company’s website and fill out the quote form the provide.
Deciding on an insurance company should depend on more than just the bottom line cost. The following questions are important to ask.
- If they are an independent agency in Chandler, which companies do they recommend?
- Has the agent ever had any license suspensions?
- Will their companies depreciate repairs to your car based on the mileage?
- Is working in the agency their full-time job?
- Are they involved in claim handling?
Quote more and you will save more
Consumers change insurance companies for any number of reasons including questionable increases in premium, policy non-renewal, not issuing a premium refund and policy cancellation. It doesn’t matter what your reason, switching insurance companies is not as difficult as it may seem.
You just learned many ways to lower your Chevy City Express insurance premium rates in Chandler. The most important thing to understand is the more rate comparisons you have, the better chance you’ll have of finding inexpensive Chandler car insurance quotes. Consumers may even find the lowest priced insurance comes from the least-expected company.
Some insurance companies may not provide internet price quotes and many times these smaller companies prefer to sell through independent insurance agents. Affordable Chevy City Express insurance in Chandler can be bought both online and with local Chandler insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from.
Additional information is available at the links below
- Car Insurance for Teen Drivers with Divorced Parents (Allstate)
- What Car Insurance is Cheapest for a 20 Year Old Male in Chandler? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for Hybrid Vehicles in Chandler? (FAQ)
- Who Has the Cheapest Chandler Car Insurance for Low Income Drivers? (FAQ)
- What Car Insurance is Cheapest for a Dodge Ram in Chandler? (FAQ)
- How Much is Auto Insurance for High Mileage Drivers in Chandler? (FAQ)
- Safety Features for Your New Car (State Farm)
- Property Damage Coverage (Liberty Mutual)
- What to do at the Scene of an Accident (Insurance Information Institute)